Zelle®
A fast, safe, and easy way to send money to friends, family and other people you trust, even if they bank somewhere else.1 Whether you’re paying rent, gifting money, or splitting the cost of a bill, Zelle® has you covered.
Send and Receive Money with Zelle®
Fast
Send money directly from your account to theirs, typically in minutes.1
Safe
Use Zelle® within the app you already trust. No account numbers are shared.
Easy
Send money using just an email address or U.S. mobile number.
Enroll with Zelle® in four easy steps!
- Log into the Indiana Members Credit Union app.
- In the main menu, select "Transfers," then "Send money with Zelle®."
- Enroll your email address or U.S. mobile number.
- You’re ready to start sending and receiving money with Zelle®.
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Zelle FAQs
How do I use Zelle®?
You can send, request, or receive money with Zelle®. To get started, log into Indiana Members Credit Union's mobile app. In the main menu, select "Transfers", then "Send money with Zelle®."
To send money using Zelle®, simply select someone from your mobile device’s contacts (or add a trusted recipient’s email address or U.S. mobile number), add the amount you’d like to send and an optional note, review, then hit “Send.” The recipient will receive an email or text message notification via the method they used to enroll with Zelle®. Money is available to your recipient in minutes if they are already enrolled with Zelle®.
To request money using Zelle®, choose “Request,” enter their enrolled email address, U.S. mobile number or Zelle® tag, confirm the recipient is correct and tap “Request.”
To receive money, just share your enrolled email address or U.S. mobile number with a friend and ask them to send you money with Zelle®. If you have already enrolled with Zelle®, you do not need to take any further action. The money will be sent directly into your Indiana Members Credit Union account, typically within minutes.
If someone sent you money with Zelle® and you have not yet enrolled with Zelle®, follow these steps:
- Click on the link provided in the payment notification you received via email or text message.
- Select Indiana Members Credit Union.
- Follow the instructions provided on the page to enroll and receive your payment. Pay attention to the email address or U.S. mobile number where you received the payment notification - you should enroll with Zelle® using that email address or U.S. mobile number to ensure you receive your money.
What if I get an error message when I try to enroll an email address or U.S. mobile number?
Your email address or U.S. mobile number may already be enrolled with Zelle® at another bank or credit union. Call our customer support team and ask them to move your email address or U.S. mobile number to Indiana Members Credit Union so you can use it for Zelle®.
Once customer support moves your email address or U.S. mobile number, it will be connected to your Indiana Members Credit Union account so you can start sending and receiving money with Zelle® through the Indiana Members Credit Union mobile app. Please call Indiana Members Credit Union members services at 317.248.8556 or 800.556.9268 or email us at members@imcu.com for help.
Is my information secure?
Keeping your money and information safe is a top priority for Indiana Members Credit Union. When you use Zelle® within our mobile app, your information is protected with the same technology we use to keep your Indiana Members Credit Union account safe.
Who can I send money to with Zelle®?
Zelle® is a great way to send money to family, friends, and people you are familiar with such as your personal trainer, babysitter or neighbor1.
Since money is sent directly from your Indiana Members Credit Union account to another person’s bank account within minutes1, Zelle® should only be used to send money to friends, family and others you trust.
If you don’t know the person or aren’t sure you will get what you paid for (for example, items bought from an online bidding or sales site), you should not use Zelle®. These transactions are potentially high risk (just like sending cash to a person you don’t know is high risk).
Neither Indiana Members Credit Union nor Zelle® offers a protection program for any authorized payments made with Zelle® – for example, if you do not receive the item you paid for or the item is not as described or as you expected.
Can I pay a business with Zelle®?
Some small businesses are able to receive payments with Zelle®. Ask your favorite small business if they accept payments with Zelle®. If they do, you can pay them directly from your Indiana Members Credit Union mobile app using just their email address or U.S. mobile number.
Neither Indiana Members Credit Union nor Zelle® offers a protection program for any authorized payments made with Zelle®, so you should only send money to people (and small businesses) you trust. Also, always ensure you’ve used the correct email address or U.S. mobile number when sending money.
Can I use Zelle® internationally?
In order to use Zelle®, the sender and recipient’s bank or credit union accounts must be based in the U.S.
Can I cancel a payment?
You can only cancel a payment if the person you sent money to hasn’t yet enrolled with Zelle®. To check whether the payment is still pending because the recipient hasn’t yet enrolled, you can go to your activity page, choose the payment you want to cancel, and then select “Cancel This Payment.” If you do not see this option available, please contact IMCU members services at 317.248.8556 or 800.556.9268 or email us at members@imcu.com for assistance with canceling the pending payment.
If the person you sent money to has already enrolled with Zelle®, the money is sent directly to their bank account and cannot be canceled. This is why it’s important to only send money to people you trust, and always ensure you’ve used the correct email address or U.S. mobile number when sending money.
If you sent money to the wrong person, please immediately call IMCU members services at 317.248.8556 or 800.556.9268 or email us at members@imcu.com for help.
Are there any fees to send money using Zelle®?
No, Indiana Members Credit Union does not charge any fees to use Zelle® in the Indiana Members Credit Union app.
Your mobile carrier’s messaging and data rates may apply.
Zelle for your Small Business Account FAQs
How do I use Zelle® with a business account?
Eligible business accounts can send, receive, or request money with Zelle®. To get started, log into Indiana Members Credit Union's mobile app. In the main menu, select "Transfers", then "Send money with Zelle®." Enroll your email address or U.S. mobile number. You’re ready to start sending and receiving money with Zelle®.
To send money with Zelle®, simply select someone from your mobile device’s contacts (or add a trusted recipient’s email address or U.S. mobile number), add the amount you’d like to send and an optional note, review, then hit “Send.” In most cases, the money is available to your recipient in minutes.1
To receive money using Zelle® with a business account, share your enrolled email address or U.S. mobile number with your customers and ask them to send you payment with Zelle® right from their banking app. No need to share any sensitive account details. After the consumer sends you payment with Zelle®, you will receive your money directly into your enrolled bank account.
To request money using Zelle®, choose “Request,” enter their enrolled email address, U.S. mobile number or Zelle® tag, confirm the recipient is correct and tap “Request.”
How do I know if my business is eligible to use Zelle®?
Eligible business accounts can send, receive, or request money with Zelle®. To get started, log into IMCU’s online banking or mobile app. In the main menu, select "Transfers", then "Send money with Zelle®." If you don’t see Zelle®, please call IMCU Member Services at 317.248.8556 or 800.556.9268 or email us at members@imcu.com for help.
Are there any fees to use Zelle® with a business account at IMCU?
No, IMCU does not charge any fees to use Zelle® with a business account. Your mobile carrier's messaging and data rates may apply.
Does IMCU or Zelle® offer purchase protection?
Neither IMCU nor Zelle® offers purchase protection for payments made with Zelle® – for example, if you do not receive the item you paid for, or the item is not as described or as you expected. Only send money to people and businesses you trust and always ensure you’ve used the correct email address or U.S. mobile number when sending money.
Can I reverse or cancel a Zelle® payment?
No. Zelle® payments cannot be reversed.
You can only cancel a payment if the small business or consumer you sent money to hasn’t yet enrolled with Zelle®. To check whether the payment is still pending because the recipient hasn’t yet enrolled, you can go to your activity page, choose the payment you want to cancel, and then select “Cancel This Payment.” If you do not see this option available, please contact IMCU members services at 317.248.8556 or 800.556.9268 or email us at members@imcu.com for assistance with canceling the pending payment.
If you send money to a small business or consumer that has already enrolled with Zelle®, the money is sent directly to their bank account and cannot be canceled. This is why it’s important to only send money to people you know and trust, and always ensure you’ve used the correct email address or U.S. mobile number when sending money.
I believe I’ve been a victim of a scam. Who should I contact?
Please contact IMCU members services at 317.248.8556 or 800.556.9268 or email us at members@imcu.com for help. Qualifying imposter scams may be eligible for reimbursement.
Is my information secure?
Keeping your money and information secure is a top priority for IMCU. When you use Zelle® within our online banking or mobile app, your information is protected with the same technology we use to keep your IMCU account secure.
Can I use Zelle® internationally?
No. In order to use Zelle®, the sender and recipient’s bank or credit union accounts must be based in the U.S.
1To send or receive money with Zelle®, both parties must have an eligible checking or savings account. Transactions between enrolled consumers typically occur in minutes. Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.